Starting balances can be adjusted with ease. You cannot reorganize accounts on the app, but you can on the web. I used the web-based version of Actual, as well as the iOS app on my iPad.which I will have a particular comment about.Īdding accounts is simple and efficient, with a clean layout. This review will cover the same areas that my reviews last year did, with additional commentary if something sticks out. If you don't mind the lack of bank sync (but they promise it's coming), Actual's home page proffers an attractive, zero-based budget app at a low price point of $4/mo. Or, they have so many problems with critical features like direct import, that YNAB seems like a waste of money, rather than a valuable budget tool.Įnter Actual. And not everyone would even link such savings to the use of YNAB. Every day I don't buy a pack of cigarettes, I could pay for more than a month of YNAB at the annual price, even after the price hike that's some powerful juju right there.īut not everyone sees a significant amount of savings using YNAB. Personally, YNAB has paid for itself in perpetuity when it influenced me to quit smoking. With the recent *waves hands* situation with the new YNAB pricing, it seems an opportune time to review a few of the more impressive competitors. I was recently asked about Actual, which is a zero-based budget app that has been in development for several years. Last year, I reviewed three different apps ( Aspire, Buckets, and SimpliFi), and liked various aspects of each without being sufficiently impressed to make a switch.
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Since Actual is still being actively developed, I might use it if YNAB didn't exist.ĭisclaimer: I'm not a professional reviewer, I just like to test budget apps. If you are looking for lots of different reports, avoid this app. If you want to set goals or targets for your categories, avoid this app. If you budget on a phone, avoid this app. If direct import is a critical feature for you, avoid this app.
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#YNAB 4 KEY GENERATOR SOFTWARE#
This subreddit is dedicated to discussion on the popular budget software You Need A Budget. NYNAB was last updated 10 November 2021 Welcome to /r/YNAB
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